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Krusty Vs Nationwide **WON**


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So it begins

 

i have a copy of my Nationwide Redemption Statement here and also my statement from my mortgage advisor

 

a break down from the Nationwide indicates

 

others debits £1516.05

redemption expenses £90.00

Early repayment charge £896.59

 

total £2502.64

 

Question:

 

if one of the figures above is there lost interest because i redemed my mortgage early

can i claim it back, or is that seen as Fair

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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anyone ?

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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oh yeah baby, By quiet some margin

 

i will also ask, if they do not comply after LBA

can i still do this though Moneyclaim or do i have to attend court

 

thanks in advance

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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Hi Krusty

 

If over 25,000 you can go for the preliminary letter and ask them to justify their charges. If they don't then claim them. You can find a preliminary letter by clicking the link in my signature and then just adapt it to reflect the charges they have levied and remove the purple bits if there are no late payment fees

 

You can do this through MCOL.

 

Best of luck

 

Zoot

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Fannytastic

 

i have your Premlim and it is ready to go

 

thanks for all your help

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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Premlim to Nationwide for ERC of £2.5k sent today

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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I will be watching with interest, Im going to pay off my Mortgage early and they want a £1500 redemption Charge. I will enjoy getting it back...

Isherwood v Barclays £1155

1st letter sent 3/6/2006

Offer of £465 rejected 1/7/2006

LBA sent 10/07/2006

bogoff REPLY SENT 12/07/2006

MCOL COURT ACTION 17/7/2006

ACKNOWLEDGED 28/7/2006

DEFENCE ISSUED 17/8/2006

Defence and AQ received 23/8/2006

AQ delivered by hand to the County Court 24/8/2006

Court Date received on 26th Sept for 18th January

Documents Sent to Barclays and Courts 12th Oct

2ND JAN SETTLED IN FULL

 

MBNA request for £67 refund sent 17/7/2006

Halifax - Your next :eek:

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  • 2 weeks later...

recieved a Letter from Nationwide giving a break down of the £2500 i was claiming, £1488 was a missed payment so will not pursue this

 

Rest of letter is standard time wasting

 

revised LBA for £1015 goes off on the 30/10/06

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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revised LBA sent 31/10/06

 

i will send Zoots LAA Revised to suit my situation Friday 3/11/06 by way of showing that we know what we are talking about though i do not think it

will stop this going to Moneyclaim

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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  • 4 weeks later...

Moneyclaim Filed yesterday

Was latter than the suggested 14 days due to holiday

 

We were to send Zoots LAA but did not.

We are now revisng this LAA to send shortly

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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  • 1 month later...

Happy New Year

Well after a long deley, Nationwide have offered a defence and a Transfer of Proceedings

 

This takes things to a new level for me so i am slightly more worried about how i proceed

 

I have not sent Nationwide Zoots LAA yet but will now do so. i will also send this to the court

 

my first question to those in the know is, Will i have to attend court?

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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  • 3 weeks later...

19th Jan 2007 recieved

 

General form of judgement or Order

 

before PROPER OFFICER sitting at xxx county court

 

upon the courts own motion. Blah

 

It is Ordered that

Unless the defendent files an allocation Questionnaire by 4pm on Jan 31st 2007 the defence and counterclaim (if any) shall stand struck out without firther order

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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yes i have submitted an Allocation Questionnaire

 

Yes the counter claim was based on you LAA

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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Not heard anything yet......

 

No i have not claimed back my 8%

 

if this all goes according to plan, the Halifax are next for another ERC :-)

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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Now what happens

tis the 6th of Feb and heard nothing :confused:

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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Ta

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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ok, contacted the court today, Claim number given.

Nationwide did not file an Allocation Questionnaire so i can now

write in a request a judgement.

 

Anyone suggest that i "do not" proceed

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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yeap, was transfered to a local court from Northampton

then the General form of Judgement or Order

 

then nothing

 

so called today to see what was happening

 

After posting yesterday and all recommending not pursuing ERC's i thought

i'd check up where i was

 

will send a letter today to request a Judgement

 

Nothing ventured...........

Halifax - £4000.00 +

01/09/06 - Prelim letter sent (special delivery)

05/09/06 - Standard Reply

07/09/06 - Phone Offer £362, accepted as partial payment only

09/09/06 - Letter, revised offer £1039, accepted as partial payment only

13/09/06 - LBA sent (special delivery)

20/09/06 - Ombudsman letter recieved

27/09/06 - Moneyclaim online for £4900

04/10/06 - I WON I WON

10/10/06 - Money in the bank

Nationwide ERC - £1000.00

16/10/06 - Prelim letter sent (special delivery)

31/10/06 - Revised LBA sent

23/11/06 - Moneyclaim online for £1100

held by the courts

Halifax - £800

05/06/09 - Prelim letter sent

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surely if you request judgement as they have not responded to you then it will go in your favour

 

Not necessarily. They could file late and get away with it.

Please note that I am not a legal expert and all advice given is without prejudice and is purely my opinion only.

 

** Nationwide - £1821.15-PAID IN FULL - Aug 06 **

** Halifax Mortgage -£390 - PAID IN FULL - Nov 06 **

Lloyds TSB - MCOL issued 09/03/07 - £2953 + costs - ON HOLD....

 

 

 

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